638 E Clay St, Whitewater, WI 53190 Property Records

Walworth County property record for 638 E Clay St, Whitewater, WI 53190

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,179 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ES 00019`

Property Details

APN / Parcel Number

Primary APN	`ES 00019`

Exterior

Lot Area	15,682 sqft (0.36 acres)

Location & Zoning

Old Parcel Number	/ES00019
Street Address	638 E CLAY ST
City	WHITEWATER
State	WI
Zip	53190-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 4 ESTERLYS ADD. CITY OF WHITEWATER; ASSESSMENT INCLUDES /ES-20
Legal Subdivision	ESTERLYS ADD
Legal Block	4
Legal Lot Number	3
Jurisdiction	WALWORTH WI
Township / Civil Division	WHITEWATER
Census Block Group	2
Census Block	2035
Census Tract	400

Owner

Source: Walworth County records, as of February 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	638 E CLAY ST, WHITEWATER, WI 53190-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage FORT COMMUNITY CU
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FORT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	638 E CLAY ST, WHITEWATER, WI 53190-2010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	940460
Date	Jan 27, 2017
Instrument	940460

Lender

Name	FORT COMMUNITY CU
Type	Credit Union
Address	FORT ATKINSON, WI 53538

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	638 E CLAY ST, WHITEWATER, WI 53190-2010
Transaction Type	Mortgage
Record Updated	Jul 10, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1012629
Date	Jul 1, 2020
Instrument	1012629

Lender

Name	FORT COMMUNITY CU
Type	Credit Union
Address	FORT ATKINSON, WI 53538

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2030

Tax Assessment & Valuation

Source: Walworth County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Walworth County
Municipality	Whitewater City
Unified School District	Whitewater School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,179.00 (+12.4%) Homeowner's exemption	$269,400 (+9.33%) Land $67,400 Building $202,000	$271,655 (+18.64%) Land $67,964 Building $203,691
2023	$3,718.00 (+1.23%) Homeowner's exemption	$246,400 (+12.36%) Land $67,400 Building $179,000
2022	$3,673.00 Homeowner's exemption	$219,300 Land $67,400 Building $151,900	$228,976

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 2, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITEWATER WATERWORKS serves 14,000 people · EPA ID WI2650056
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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